Don’t Get Swept Away: Floods and Car Insurance

What's Hot

2 Types of Black Marks Might Vanish From Your Credit File SoonBorrow

This Free Software Brings Old Laptops Back to LifeMore

6 Ways the Obamacare Overhaul Might Impact Your WalletInsurance

21 Restaurants Offering Free Food Right NowSaving Money

7 Dumb and Costly Moves Homebuyers MakeBorrow

House Hunters: Beware of These 6 Mortgage MistakesBorrow

Beware These 12 Common Money MistakesCredit & Debt

Obamacare Replacement Plan Gets ‘F’ Rating from Consumer ReportsFamily

Where to Sell Your Stuff for Top DollarAround The House

30 Household Uses for Baby OilSave

25 Ways to Spend Less on FoodMore

Nearly Half of Heart-Related Deaths Linked to These 10 Foods and IngredientsFamily

The True Cost of Bad CreditCredit & Debt

17 Ways to Have More Fun for Less MoneySave

14 Ways to Maximize Your Social Security ChecksGrow

10 Ways to Save When You’re Making Minimum WageSave

Boost Your Credit Score Fast With These 7 MovesCredit & Debt

7 Painless Ways to Pay Off Your Mortgage Years EarlierBorrow

The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

10 Companies With the Best 401(k) PlansGrow

8 Ways to Take Control of Your Finances — and Be HappierGrow

This Scam Now Tops ID Theft as the No. 2 Consumer ComplaintFamily

5 Surprising Benefits of Exercising Outdoors in WinterFamily

14 Super Smart Ways to Save on TravelSave

New Study Ranks the Best States in the U.S.Family

Thousands of Millionaires Moving to 1 Country — and Leaving AnotherGrow

The Rich Prefer Modest Cars — Should You Join Them?Cars

Strapped for College Costs? How to Get the Most From FAFSABorrow

6 Overlooked Ways to Save at Chick-fil-AFamily

Secret Cell Plans: Savings Verizon, AT&T, T-Mobile and Sprint Don’t Want You to Know AboutFamily

6 Healthful Treats for Your DogFamily

Ask Stacy: What’s the Fastest Way to Pay Off My Mortgage?Borrow

7 Free Sources of Manufacturer Coupons You Can Find OnlineSave

Ask Stacy: How Do I Start Over?Credit & Debt

8 Ways to Get a Good Price on a Shiny New AutoCars

You’ll Soon Pay More to Shop at CostcoSave

10 Ways to Save When Your Teen Starts DrivingFamily

Fixing Your Credit? Do These 5 Things, Avoid These 3Credit & Debt

In the wake of several record-setting flash floods across the country, we outline ways to protect yourself and your car from rising water levels.

This post comes from Michele Lerner at partner site

July is known for being a peak summer month filled with sunny days, but this year it also turned out to be a notorious month for flash floods across the country.

  • On July 3, a flash flood in Lebanon, N.H., forced evacuations and caused an estimated $6.5 million in damage, according to The Associated Press.
  • On July 10 in South Pittsburg, Tenn., floodwaters from relentless rain spawned a newborn river that swept through neighborhoods, shops and City Hall, according to a Times Free Press report. The rapids, which came without warning, “hit with the force of an earthquake, tossing cars, killing wildlife and lifting sheets of asphalt the size of trucks,” the report said.
  • By July 26, western North Carolina had suffered through four flash floods in the past four months, the last one being the most severe in decades, according to the Charlotte Observer.
  • On July 29 in Arizona, things were no better for the 33 passengers on a tour bus outside of Flagstaff as flash flood waters swept the bus hundreds of yards until it flipped on its side on an embankment, according to the AP. Fortunately, passengers escaped with no injuries.

Drivers are advised to avoid driving during a flood if at all possible for a very good reason: According to the Federal Emergency Management Agency, nearly half of all deaths during a flood are vehicle-related.

When asked for tips for driving in a flood, Carroll Lachnit, features editor for automotive research site, says, “Don’t do it.”

Driving tips for flash floods

While the best advice is to stay off the roads, sometimes drivers get caught in an unexpected flood.

“The classic ‘turn around, don’t drown’ statement that gets repeated during every major storm is excellent advice,” says Lachnit. “Never drive through flooded areas. If it’s raining heavily and you’re driving in a familiar location where you know there are vulnerable areas, then you need to avoid them.”

Lachnit says you should never drive beneath an underpass during a heavy rainstorm because they are prone to flooding.

Another tip for driving when flooding begins is to be wary of water levels. “According to FEMA it takes only 1 foot of water to float almost any car,” she says. “Even an SUV can be swept off a bridge (or down a road) in a foot of water. Six inches of water reaches the bottom of most cars, which means you could lose control of your car or wash out into the flood.”

If you’re on the road and see signs of high water or stranded vehicles, Lachnit says, you should pull over or take a different route. If you see water rising above the bottom of the tires of the car in front of you, that’s an indication to turn around. You can sometimes guess how deep the water is compared with the curb, but you may not know about flood damage to the roadbed underneath.

If your car gets caught in a flash flood and stalls or you lose control, FEMA recommends that you get out if you can before it gets carried downstream.

If it’s too late to climb out and your car is beginning to be submerged, Lachnit says, it’s important not to panic.”Once your car is submerged you should be able to open your doors, so you’re supposed to hold your breath and climb out,” she says. “If you’re caught in a stream of rushing water, point your feet up and downstream so you flow with the water to avoid getting hurt on rocks under the surface.”

In addition to the danger of floodwaters, heavy rainstorms create major visibility problems.

When driving in heavy rain, slow down, put extra space between your car and the car in front of you, and don’t slam on your brakes or make any sudden turns, says Lachnit.

“If you have anti-lock brakes like most cars, don’t pump the brakes,” she says.

Car insurance coverage and floods

All of these tips are meant to prevent an accident or a water-damaged car, but sometimes an event that results in an insurance claim is inevitable. It’s important to have the right car insurance so that you don’t end up financially swept away.

“If you don’t have comprehensive and collision coverage on your car insurance policy, you need to get it before hurricane or flood warnings are given for your area,” says Penny Gusner, a consumer analyst for “Insurance companies can’t add new coverage or write a new insurance policy when a storm warning has been issued.”

Here’s the insurance coverage you could need if you’re caught in a flood:

Comprehensive. “Comprehensive insurance covers any type of damage to your car up to its actual cash value that’s caused by natural events instead of an accident,” says Gusner. “So if your car is damaged by rising water or a flood, you could make a claim with your comprehensive coverage.”

Collision. If you hydroplane during a storm and flip your car or hit something like another car or a tree, collision insurance will pay to repair it or will pay the actual cash value of the car. Gusner says you’ll have to pay your deductible regardless of whether the accident was your fault, someone else’s or caused by the storm.

Rental car reimbursement. “Rental reimbursement coverage is optional and pays you a certain amount of money per day or per week for a rental car to drive while your car is being repaired,” says Gusner. “If you have another car or another way of getting around without your car, then you don’t need it.”

Gap. “If you owe more money on your car than it’s worth, gap insurance will pay the difference,” says Gusner. “For instance, if you owe $15,000 on your car loan but your car is only worth $12,000, gap insurance will reimburse your lender for the extra $3,000.” You can get gap insurance from your regular car insurance provider or from your car financing company, but it’s usually more expensive from your lender.

“Your insurance company expects you to take care of your car, so make sure you don’t cause more damage by driving it after a flood with the check engine light on,” says Gusner.

More on

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


Read Next: 5 Easy Ways to Save on Your Cell Phone Bill

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,991 more deals!